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WHAT TO EXPECT

In Oklahoma, when it comes to roofing work—whether it's repair, replacement, or inspection—both the homeowner and the roofing company have specific responsibilities. Here's a breakdown of what you can generally expect from each party under Oklahoma law and best practices:

HOME OWNERS RESPONSIBILITY

  • HIRING A LICENSED ROOFER

    1. Ensure the roofer is licensed by the Oklahoma Construction Industries Board (CIB).


    2. Verify insurance (liability and workers' compensation).

  • UNDERSTAND THE CONTRACT

    1. Read and understand the written contract before signing.


    2. Confirm project scope, costs, start/end dates, payment terms, and warranty information.

  • PAYMENT

    1. Pay according to the contract terms (often a deposit and then milestone or final payments).


    2. Avoid paying full cost upfront.

  • INSURANCE CLAIMS

    1. If damage is storm-related, the homeowner must file the insurance claim.


    2. You cannot legally allow a roofer to waive or cover your insurance deductible—this is considered insurance fraud in Oklahoma.

OUR RESPONSIBILITY

  • LICENSING & INSURANCE

    1. Ensure the roofer is licensed by the Oklahoma Construction Industries Board (CIB).


    2. Verify insurance (liability and workers' compensation).

  • WORKMANSHIP

    1. Read and understand the written contract before signing.


    2. Confirm project scope, costs, start/end dates, payment terms, and warranty information.

  • PERMITS

    1. Often responsible for obtaining and displaying any required city or county permits.


    2. This may vary by local ordinance.

  • PAYMENT

    1. Pay according to the contract terms (often a deposit and then milestone or final payments).


    2. Avoid paying full cost upfront.

  • WARRANTIES

    Provide warranties on labor and potentially on materials (often through the manufacturer).

  • NO INSURANCE FRAUD

    1. It is illegal for roofing contractors to offer to “cover” or “absorb” insurance deductibles in Oklahoma.


    2. Must not act as the homeowner’s public adjuster or negotiate with the insurance company unless licensed to do so.